massmutual is owned by our policyholders so they matter most to us. massmutual. we'll help you get there. neil: all right. take two tablets and let's war. it's tablet warfare. the new mini, as far as going on sale today both hoping to bring in big bucks today, but apple's warning that holiday profits this season might not be chiefful. former ceo on whether gadgets are enough to turn it around. good to have you, robert. what do you think of that when companies like apple urge caution, in a conservative company when it comes to handling estimates and quarterly earnings statements and the like, but they spend time talking about head winds. they must see something. what do you think? >> well, i think the iphone5 has been out for awhile. the mini is an interesting product. it's not a block buster. on the other hand, there's the windows 8 products, the tablet, the pc running win does 8, and you got a lot of technology enthusists itching to get hands op these things. you have samsung with the galaxy s3. you got folks over at amazon doing exciting things so this is a gre